She's probably using one floating around the office, one you provided, or one she bought from an attorney that's full of legal jargon and missing important clauses.

I have had failures in real estate when I was younger and those lesions are worth more to me then gold.

I should have also added that the reason I am pulled towards real estate as a wealth generating mechanism (I.e. the appreciation aspect) is that I bought my first house with ~$20K of my own money in Baltimore (supplemented with 6K of grants), bought at the right time and did a little fixing it up, used the proceeds from sale of Baltimore home to get into the lower end of the market in quickly appreciating Seattle.

I bought it from a client who wanted a fast sale How did you find this deal and how did you negotiate it?

You can then check with the local county if the deed is in fact in that name (caution: if the property was bought recently, the county may not have caught up on the paperwork).Just be careful and NEVER give any form of cash to the seller, always send EM/downpayment to a title company that you have verified.

@Natali CobbI just rented out a studio, and bought a stackable washer/dryer.

Did you do a loan mod on this house after you bought it in July 2015 and that's what created the HUD partial claim? 

He is honest and never led me astray in both rentals I’ve bought from him. 

People have told me they have bought a plastic tub to put on the counter in order to do their dishes.

Seriously, this is absolute solid gold!